John Killick

“It’s not what I want for my grandkids”

Issues

When the global financial crisis spread from banks in the USA to Europe and the liquidity crisis meant the contagion affect went worldwide the speed with which financial markets were affected was frightening.  There is no doubt the crisis had its origins in USA and with a...

The flight to cash

Issue

Stock markets worldwide are susceptible to irrational exuberance and irrational anxiety.  Prices of stocks are affected by people’s behaviour just as individuals investment portfolios are affected by ‘misbehaviour’.

In NZ we are particularly exposed to just such reaction because the majority of accumulators are ‘new’ investors, KiwiSaver being...

Money Week – Instant Gratification

ISSUE:

Instant gratification is only an issue when it supersedes all else, the outcome of which is inevitably living day to day.  People who live day to day will usually become reliant on a benefactor.  The state, the family or varying organisations.  People who live day to day...

Self-Control – Money Week

There will be many people (mainly men) feeling rather sheepish with the expose of participants in the ‘let’s do adultery’ web site Ashley Madison. The hackers of this website, the name derived from the two most popular female names of recent times, have created an international quilt...

Your Money or Your Life

Some years ago I reasoned that people most often got ‘high stakes’ financial decision making wrong.

On that assumption and with nothing but ‘experience’ and a naively optimistic intent – we opened a financial planning practice, to provide quality advice and service. What we hadn’t considered was the...